Banking

As a community banking organization, Wintrust Community Banks are flexible enough to offer the banking solutions needed by their specific neighborhoods and communities. All Wintrust Community Banks offer competitive:

Checking & NOW accounts

Money Market & Savings Accounts

Certificates of Deposit (CDs)

Home Improvement Loans & Home Equity Lines of Credit

The specifics of each account vary based on the needs of each community. However, all Wintrust Community Banks offer the following programs:

Platinum Adventures – A travel and activity program for customers over 50, Platinum Adventures offers its members everything from European trips to Broadway shows to retirement seminars. With thousands of members throughout the area and a variety of activities, Platinum Adventures members can participate as little or as much as they wish and have the ability to make dozens of new friends with each activity.

The Original Junior Savers Club – As Community Banks, we believe that financial education should start early. Through a variety of games and events, our Junior Savers learn about the importance of money management early, helping ensure their long-term financial health.

MaxSafe Accounts – With 15 different bank charters, we are able to offer CDs and Money Market accounts with 15 times the typical amount of FDIC insurance coverage. Currently, MaxSafe accounts provide over $3.75 million in FDIC Insurance coverage per accountholder and are only available at Wintrust Community Banks.

To find out more about any of these programs or our retail banking products, please contact a Wintrust Community Bank. Click here to find the Wintrust Community Bank closest to you.

Community Banking at Its Best (Click to Close)

Community banking begins with the customer, his or her wants and needs. It sounds simple, but most banks just don't get it.

People want a bank where they're known by name and made to feel welcome as soon as they come in the door. When one of our staff says, "May I help you?" they really want to help you. No one ever has to pay a fee for using a teller.

Our innovative products and a friendly smile set us apart from the competition. We offer the “big bank” products and services but are small enough to give you the personalized attention that you deserve.

There are several factors that distinguish us as a real community bank. First, we are locally run. Decisions are made by people who know you and care about your needs. As a result, you gain from our responsive service and true understanding of what this community needs. Through this understanding we can tailor products to meet the needs of local consumers.

Second, there is on-site control over all services, products, loan approvals, and interest rates. Because we're locally managed, we can set our rates right here. We don't have to get them approved by a corporate office somewhere else. And we don't have the overhead that big banks do, so we can pass the savings on to you.

Third, deposits of the bank are invested back into the community in the form of business and residential loans. So in a way, you can help enhance your hometown, just by being a part of community banking.

Finally, we are dedicated to the financial support of the local community in order to make it a better place to live.

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Checking (Click to Close)

Our community banks offer a variety of checking and NOW accounts along with the personalized service and attention you deserve. We build accounts for you. We don’t penalize you for low balances nor do we charge you a wide assortment of fees.

All of our Checking and NOW accounts include:

NO annual fee debit card

Free access to SUM, MoneyPass and Allpoint ATMs in the Chicagoland area

FREE imaged checks with CheckManager Plus®

FREE Online Banking and Telebank

FREE Bill Pay

FREE Quicken,Quickbooks and Microsoft Money download capabilities

Discounts at participating local merchants

Visit any of our community bank websites or stop in any location for more information.

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Savings, CD and Money Market Accounts (Click to Close)

All of our community banks offer a variety of Savings Accounts, Certificates of Deposit and Money Market Accounts to meet your savings needs. At our banks, we will know you by name and offer you cookies and coffee. We’ll see you at local community events and we’ll continue to invest in the communities we service.

Visit any of our community bank websites or stop in any location for more information.

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.communityBANKING & Bill Pay (Click to Close)

Our innovative .communityBANKING™ is a free electronic banking service that helps you track and control your finances, all from the comfort of your home or office. Designed to save you time and money, .communityBANKING is comprised of the following:

With Online Banking, you can view account information and activity, set up e-statements for checking or savings accounts, and place a stop payment request. You can also place an order for Deluxe® checks, transfer funds between accounts, download transactions into Quicken® and Microsoft® Money, and much more.

Online Bill Payment

Save money on stamps with our Online Bill Payment. Pay bills in just three easy steps: select your payee, enter your payment amount and delivery date, then submit your payment. You can set up one-time, immediate or future dated recurring payments, receive and view your bills online instead of in the mail, and set up payment reminders.

System Messaging & Alerts

Set up account alerts to be notified by e-mail whenever certain transactions process. You can also email the bank via a secure contact form. You can also receive account alerts via text message on your mobile phone.

Mobile Banking

.communityMOBILE™ is our mobile banking service and is available to any Online Banking customer with a smartphone and internet connectivity. You can check your account balances, transfer funds and pay bills.

FinanceWorks™

Put money management at your fingertips and financial goals within reach with FinanceWorks. Accessed through Online Banking, FinanceWorks lets you manage your finances in one place. You can view your complete financial picture across 7,000+ financial institutions and creditors, without needing extra passwords. You will be able to see where you’re spending your money to stay on budget, ensure bills are paid on time, and view projected balance based on upcoming transactions and paycheck deposits.

TurboTax®

Available through Online Banking, Turbo Tax can be used to complete your federal and state tax returns. There is no extra user name and password required. You can merge past TurboTax returns and access TurboTax Online throughout the year to make use of tax planning tools. Best of all, it is free for those filing a simple return and requiring little guidance. Pricing varies for other products.

Safety and Security

.communityBANKING is very secure. Your personal information is protected by data encryption, firewalls, session time-outs and confidential personal passwords. All of these measures are designed to prevent unauthorized access to data.

Our representatives will never ask you to reveal your password or PIN, and we will never send e-mails that prompt you to update or confirm sensitive personal information such as your social security number, account number or mother’s maiden name. We advise our customers never to respond to unsolicited requests for sensitive information, regardless of whether such requests are made via telephone, mail or e-mail.

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.CommunityMobile (Click to Close)

Do your banking right on your smartphone with .communityMOBILE™, our mobile banking service. Any Online Banking customer with a smartphone or tablet can use .communityMOBILE™ (Available to iPhone, Blackberry and Android users).

With .communityMOBILE™ you can:

Check your account balances

Transfer funds between accounts

View your transaction history

Pay Bills (one-time, recurring)

Mobile/Internet connectivity is required.

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Wintrust Community Banking (Click to Close)

You can bank at any of our 100 Wintrust Community Bank locations. You’ll experience the same professional and courteous customer service at every location.

We are proud to announce that we’ve recently opened our new downtown branch. Wintrust’s new Chicago Loop Banking Center is located at 70 West Madison.

One of our sister banks may be closer to your work, school or on the way to a weekend destination. If you need to make a deposit, get a cashier’s check, or transfer money to and from accounts, you can do so at any of our sister banking locations. With locations throughout Chicagoland, northwest Indiana and southern Wisconsin, you’ll never be without access to your money.

Bank Here. Bank There. Bank Almost Everywhere!

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ATMs & Debit Cards (Click to Close)

Enjoy spending freedom and convenience with our Debit Card. Use your card at any ATM or use it like a credit card. You will have access to 65,000 surcharge-free ATMs nationwide1

Features & Benefits

No check writing hassles

No interest or finance charges apply

No PIN needed (except for ATM usage)

After Hours Toll Free phone number to report your card lost or stolen. Just call 1-800-236-2442 after our normal business hours

1 The bank does not charge a card issuance or monthly card usage fee. No transaction charge at any ATM in the AllPoint, MoneyPass or Sum surcharge–free networks. Other banks outside the network may impose ATM surcharges at their machines.

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Overdraft Protection (Click to Close)

Protect yourself and your credit with Overdraft Protection. This overdraft protection line of credit allows you to cover the unexpected opportunity or the occasional overdraft. It offers flexible line amounts and a competitive interest rate.

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MaxSafe® Solutions (Click to Close)

You can receive up to $3.75 Million in FDIC insurance with our MaxSafe® Deposit Account!

MaxSafe is an innovative and unmatched investment alternative that provides up to 15 times the FDIC security of a traditional banking deposit. The MaxSafe Account is designed for those seeking a Certificate of Deposit (CD) or Money Market Account (MMA) with additional FDIC insurance.

How can we offer this unparalleled level of protection? By depositing your funds across a group of our fifteen affiliated community banks. Fifteen banks mean fifteen times the usual $250,000 level of FDIC maximum protection. We also make things simple by providing one summary statement and one 1099 form at tax time.

For more information, please stop by any bank location and speak with a personal banker. For more information on FDIC Insurance coverage, please visit www.fdic.gov.